Managing your money with a Mukuru Card is simple and convenient, but it’s important to understand the costs involved. Below is a breakdown of the key fees associated with using your Mukuru Card, effective 1 July 2025.
Account Fees
- Monthly Fee: R30.00
- Once-off Activation Fee: R70.00
- Card Load Fee (per load): R5.00
- Transfer to Another Mukuru Card: R9.99
- Online Purchase Fee: R1.50
- Receive EFT: FREE
- Swipe at Stores: FREE
- SA Airtime: FREE
- Data Bundles: R1.00
- International Airtime: R1.00
- Electricity: R1.00
- DSTV SA and Zim: R2.00
Card Top-Up Fees
- Cash Top-Up at Mukuru Branch: R9.99
- Cash Top-Up at Pick n Pay/Shoprite/Checkers/SPAR: Variable
Card Withdrawal Fees
- Cashback at Till Points: R6.00
- Cash Withdrawal at Retailers (WiCode): R19.99
- ATM Withdrawal (Standard Bank or Other Banks): R15 per R1000 (or part thereof)
- ATM Balance Enquiry (Standard Bank): R1.70
- ATM Balance Enquiry (Other Banks): R11.00
Other Fees
- PIN Reset Fee (per request): R6.63
- SMS Balance Enquiry Fee: R2.10
Limits
- Maximum Monthly Load per Card: R25,000
- Maximum Daily ATM Withdrawal: R5,000
- Maximum Withdrawal Value per WiCode: R3,000
Tip: Swiping your Mukuru Card in-store and receiving EFTs are completely free, making them the most cost-effective ways to use your card.